WIZZ AIR PREPAID TRAVEL CARD TERMS & CONDITIONS

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WIZZ AIR PREPAID TRAVEL CARD TERMS & CONDITIONS

IMPORTANT: Please read these Terms & Conditions carefully as they form the agreement for the use of Your Card. Please keep these Terms & Conditions in a safe place. You can also obtain an electronic copy of these Terms & Conditions using the Contact Details set out below and print them if required. Please note that Your application for and purchase of Your Card online via the E360 Web-Portal requires that You accept these Terms & Conditions. Please pay special attention to paragraphs 5.6 – 5.9 and if there is anything that You do not understand or agree with in these Terms & Conditions please contact Customer Services.

1. WHO IS RUNNING YOUR ACCOUNT?

1.1 Your Card is issued by Euronet 360 Finance Limited.

1.2 We are authorised to issue electronic money across the EEA under UK’s Electronic Money Regulations 2011 and are regulated by UK’s Financial Conduct Authority with registration number: 900009. You can find more details about Us at: https://register.fca.org.uk/ typing our particulars into the browser.

1.3 We will operate Your Account and the agreement for the use of Your Card (under these Terms & Conditions) will be directly with Us.

1.4 Our registered offices are situated at 6th Floor, Watson House, 54 Baker Street, London W1U 7BU, United Kingdom, and we are registered in the register of companies for England and Wales under number 6928422. You can find more details at www.companieshouse.gov.uk.

1.5 We have partnered with Wizz Air in order to offer and distribute the Cards to Eligible Applicants as part of Wizz Air’s loyalty programme for its existing Wizz Air Customers.

2 CONTACT DETAILS

2.1 If You have any queries relating to Your Card please contact Customer Services. Before You contact Customer Services, You may be able to find the answer to Your query either on the Website or in the E360 Web-Portal.

2.2 If required, You can contact Customer Services by: (i) telephone – 800 777 744, 24 hours a day; (ii) email – customerservice@eeft.com;

(iii) writing to: Customer Services, Wizz Air Prepaid Card Programme, c/o Euronet 360 Finance Limited, 6th Floor Watson House, 54 Baker Street, London W1U 7BU, United Kingdom. If You choose to contact Customer Services by telephone then please be aware that Your telephone operator may charge You for the call according to the rates stipulated by such operator. Please contact Your telephone operator for details of these charges as they are not charges that We know about!

Any calls to Customer Service may be recorded and/or monitored for quality assurance and as a record of Our conversation.

3 DEFINITIONS

The following words and phrases capitalised in these Terms & Conditions have the following meanings: Account means the account of Available Funds allocated to Your Card

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Account Fees means the Fees charged by Us in respect of the opening, operation and closure of Your Card and Account as detailed in the Fee Schedule. The Fee Schedule contains a detailed breakdown of these Account Fees. Please pay special attention in what situations and in what amounts the Fees will be charged against Your Account so there are Available Funds in Your Account in an amount sufficient to cover the Account Fees!

ATM means an automated teller machine

Available Funds means the total amount of funds in the Account (on all Card Currency Wallets) which may be used by You in conducting Transactions.

Bank means the bank contracted by Us to hold all Cardholders’ funds in the Regulated Account(s)

Business Day means any day other than a Saturday, Sunday or public holiday in Poland Business Hours means the hours in which banks in Poland are open for normal

over-the-counter business on a Business Day

Card means the plastic reloadable MasterCard branded multi-currency Wizz Air Prepaid Card issued by Us to all cardholders under the Wizz Air Prepaid Card Programme

Card Application Checks

means the investigations that We should undertake on You and the level of such activities, under the Legal Requirements before issuing You with a Card, including online electronic checks with third parties and Our other service providers in order to verify the authenticity of Your identity and application. The level and scope of the documentation that We will ask You to submit to Us will depend on the Card Limits chosen in Your application. In accordance with the applicable Legal Regulations, throughout the term of the agreement E360 will run checks similar to the Card Application Checks Card Currency

Wallets

means the five virtual currency wallets attached to Your Card, including the Default Currency and four additional Usable Card Currencies

Card Limit means the maximum amount that can be held in Your Account Card Number means the 16-digit number on the front of Your Card

Cardholder or You means You as the person applying for the Card

Customer Services means customer services who can be reached on the details in paragraph 2 and who will be able to respond to queries relating to Your Card

Default Currency means the base currency in which the Card has been issued to You depending on Your status as an Eligible Cardholder. If You:

(i) have permanent residency in Poland then Your Default Currency will be PLN; or

(ii) are a Polish national with permanent residency in the United Kingdom then Your Default Currency will be GBP Sterling; or (iii) are a Polish national with permanent residency in the Eurozone then

Your Default Currency will be EUR

E360 Web-Portal means www.wizztravelcard.com as the secure website operated by E360 that enables Cardholders to use various functionalities related to their Cards including the submitting of an application for a Card or reviewing their history of Transactions

Login Details means the details enabling You to log in the E360 Web-Portal or approve the orders placed in this portal

E360 or We means Euronet 360 Finance Limited as the supervised issuer of Your Card and member of MasterCard

EEA means the European Economic Area which at the date on which these Terms & Conditions are issued includes all European Union member states and Norway, Iceland and Liechtenstein

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Eligible Person means a Wizz Air Customer that is an individual satisfying one of the following criteria:

(i) permanent resident in the Republic of Poland; or

(ii) Polish national with permanent residency in the United Kingdom; or (iii)Polish national with permanent residency in Eurozone states e-money means electronic money representing the funds on Your Card on each of the

Card Currency Wallets and corresponding to the aggregate amount of funds physically held in the applicable Regulated Account(s)

EUR means the lawful currency of the Eurozone (euro)

Fees means the fees charged by Us to You for the use of Your Card, including Transaction Fees and Account Fees as detailed in paragraph 12 and in the Fee Schedule. All Account Fees will be charged to You in the Default Currency subject to the provisions of paragraph 13. Transaction Fees may be charged to You in the currency of the Transaction in accordance with the provisions of these Terms & Conditions

Foreign Currency or Foreign Currencies

means currencies other than the Default Currency or the Usable Card Currencies

GBP means the lawful currency of the United Kingdom of Great Britain and Northern Ireland (pound sterling)

Legal Requirements means any and all applicable legal regulations or MasterCard rules that must be complied with in relation to the issuance and use of the Cards and the operation of the Wizz Air Prepaid Card Programme

MasterCard means MasterCard International Inc., under the auspices of which E360 issues Your Card

Merchant means a seller or provider of goods or services that accepts cards displaying the MasterCard logo as a means of payment either in transactions at a Merchant’s point of sale or by distance selling (e.g. online or telephone based transactions)

NOK means the lawful currency of the Kingdom of Norway (Norwegian krone) Our Exchange Rate means the foreign exchange rate applied by Us together with the applicable

margin, if any. The exchange rate is subject to variations without limitations as to the frequency and scope of such variations and depending on whether activities are undertaken during Business Hours or outside of Business Hours and will be applied to certain Card activity as detailed in paragraph 13. Our Exchange Rate will be more beneficial if calculated using the base rate during Business Hours

MC Exchange Rate means the foreign exchange rate applied by MasterCard together with the applicable margin, if any. The MC Exchange Rate is subject to variations without limitations as to the frequency and scope of such variations and will be applied to certain Card activity as detailed in paragraph 13

Personal Information

means the Wizz Air Customer Data or other data and information You have provided Us with as part of the Card application process and Card Application Checks

PIN means Your personal identification number to be used with Your Card PLN means the lawful currency of the Republic of Poland (Polish zloty) Regulated

Account(s)

means the segregated account(s) held at the Bank for E360 for the purposes of holding the Cardholders’ funds in accordance with all Legal Requirements. There will be a Regulated Account for the Default Currency and each of the Usable Card Currencies

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Terms & Conditions means these Terms & Conditions which regulate the relationship between E360 and the Cardholder including in respect to the Card application and use of the Card and the E360 Web-Portal

Operation means any use of the Card (using various available means for authorising a purchase of goods or services or making a cash withdrawal or other action) at a Merchant or a cash withdrawal provider, including an ATM

Transaction means a payment transaction performed under this Card agreement, including a transaction using the Card at a Merchant, withdrawal of money at an ATM and a transfer between Your Card Currency Wallet and the Currency Wallet of another person

Transaction Fees means the Fees charged for the use of Your Card as detailed in paragraph 12 and the Fee Schedule. The Fee Schedule contains a detailed breakdown of the Transaction Fees. Please pay special attention on what Transactions and in what amounts Transaction Fees will be charged against Your Account so there are enough Available Funds in Your Account to cover these Fees! Usable Card

Currency

means a currency that is available for Your Card other than the Default Currency in which You can transfer e-money for the purposes of travelling or spending funds in the Usable Card Currency. At the date on which these Terms & Conditions are issued the Usable Card Currencies are: GBP, PLN, NOK, SEK or EUR depending on which the Default Currency of Your Card is. We may add in future other Usable Card Currencies to Your Card. In such a case, We will notify You of any changes to the Terms & Conditions in advance in accordance with these Terms & Conditions

Wizz Air means Wizz Air Hungary Limited who has partnered with Us in order to issue the Card as part of its loyalty programme to Wizz Air Customers

Wizz Air Account means the Wizz Air Customer’s internet account with Wizz Air

Wizz Air Customer means a current customer of Wizz Air with a Wizz Air Customer Account Number

Wizz Air Customer Account Number

means the 10-digit number allocated by Wizz Air to a Wizz Air Account

Wizz Air Customer Data

means the Wizz Air Customer’s personal data that Wizz Air will transfer to E360 when the Wizz Air Customer is redirected to the E360 Web-Portal from the Wizz Air Website. The Wizz Air Customer Data will include: Wizz Air Account Number, name, address, email address, mobile number and title of the Wizz Air Customer applying for the Card

Wizz Air Prepaid Card Programme

means the programme developed between Us and Wizz Air in order to offer a loyalty based programme for Wizz Air Customers conducting Operations with their Wizz Air branded Card

Wizz Air Website means www.wizzair.com

4 APPLYING FOR THE CARD

4.1 You may apply for a Card online via the Wizz Air Website. In order to apply for a Card You must be at least eighteen (18) years old and be an Eligible Person.

4.2 If You are an Eligible Person then You will be redirected from the Wizz Air Website to the E360 Web-Portal in order to submit Your Card application.

4.3 In order for Us to accept Your application We must be able to satisfy Ourselves of Your identity through the Card Application Checks. In accordance with the applicable Legal Requirements when You are re-directed to the E360 Web-Portal, Wizz Air will share with Us the Wizz Air Customer Data. In addition to the Wizz Air Customer Data that We will have received, We will

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ask You to supply additional information and documentation depending on the Card Limits that You are requesting.

4.4 There are two types of Cards available with the following Card Limits:

(i) Simple Due Diligence Cards, which will be issued as the default option, with Card Limits of maximum annual loads of €2,500 (or Default Currency equivalent) and maximum annual cash withdrawals of €1,000 (or Default Currency equivalent); or

(ii)Full Due Diligence Cards which will have Card Limits of maximum annual loads of 10,000 (or Default Currency equivalent) and maximum annual cash withdrawal of €3,000 (or Default Currency equivalent).

In order to apply for a Full Due Diligence Card or upgrade an existing Simple Due Diligence Card, You will be required to provide additional information and documentation for a full check in line with the Legal Requirements binding upon Us. If the Default Currency is not EUR, the equivalent of the amounts indicated in paragraphs 4.4 (i) and 4.4 (ii) is converted into the Default Currency at the rate 4.20 EUR/PLN.

4.5 When We are conducting the Card Application Checks, We may disclose Personal Information on You in order to verify Your identity and application to suppliers of Ours, registered credit reference agencies or fraud prevention authorities.

4.6 We will issue Your Card to You based on the information and documentation that You provide Us with as part of the Card Application Checks. You undertake to only provide Us with accurate Personal Information and notify Us of any changes thereto as soon as possible so that Our records remain correct and up-to-date. You can make these notifications of changes either via the E360 Web-Portal or by contacting Customer Services. You should always ensure that We have Your up-to-date contact details on file so that We may contact You on all matters concerning Your Card or Transactions. Please remember that until the application is approved, You can rectify errors in the data Yourself. Where an error is identified after the form has been approved, You should immediately inform Us thereof by contacting Customer Services. 4.7 As part of the Card application process, You are required to pay the Card Sale Fee unless You

make an initial load to the Card of the amount specified in paragraph [8.8] below. Where such initial load is made, the Card Sale Fee will be charged to Your Account (please see the Fee Schedule) which will then be rebated back to You. The initial load of Your Card must be performed by one of the two methods as detailed in paragraph 8.1 below.

4.8 The Card will be issued to an identified person. You can apply for the Card in person only and on Your own behalf. You may not hold more than one Card.

4.9 Acceptance by Us of Your Card application is equal to the conclusion, under these Terms & Conditions, of the Card agreement between Us and You, for a specified period of time, until the expiry of the Card, provided that the terms and conditions of terminating the Card agreement before the end of its term are detailed in paragraph 14. We will inform You about the acceptance or rejection of Your application via email no later than by 2 days. Absence of information within the above time limit is equal to the rejection of Your application.

5 YOU AND YOUR CARD

5.1 If Your Card application has been accepted, Your Card and the PIN will be sent to You separately to the address that You provided in the application.

5.2 When You receive Your Card it will be inactive and You will need to “activate” the Card either via the E360 Web-Portal or by contacting Customer Services.

5.3 The Card will be set up with the Default Currency and will have the Usable Card Currencies according to Your status as an Eligible Person. Once You have activated Your Card each of the Card Currency Wallets will be activated at the same time. Please note that You cannot

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deactivate any of the Usable Card Currencies even if You do not believe that You will use that Useable Card Currency in the future.

5.4 You will be required to sign the signature strip on the reverse of Your Card as soon as You receive it and at the latest before You use it for the first time.

5.5 The Card is a “prepaid card” and is not a debit, credit card or a banking product. No interest is payable to You on the Available Funds allocated to the Card, held in the Account or held in the Regulated Account.

5.6 You have the right to withdraw from the Card agreement without cause and without any penalty within a period of fourteen (14) days from the day on which first receive Your Card under the Card agreement if You have not performed any Transaction.

5.7 If You decide to withdraw from the Card agreement under paragraph 5.6, You will be entitled to refund of the Fees You have paid, but You will be charged with the costs of issuing the Card of: 4.20 EUR/PLN.

5.8 If You have concluded a distance Card agreement, You may withdraw from it without cause and without any penalty within a period of fourteen (14) days from its execution. The deadline is deemed to have been observed if a notice has been sent before its expiry. Withdrawal does not have an effect on the Transactions You have authorised before giving the withdrawal notice, in particular it does not have the effect of refund of the amounts of the Transactions You have authorised and the applicable Fees. If You have made a transfer between Your Card Currency Wallets, the Available Funds transferred to a Card Currency Wallet other than the Card Default Currency Wallet will be converted to the Default Currency as detailed in paragraph 13.8. Please be aware that the foreign exchange rate applied to this conversion may be different from the rate applied to the transfers of funds between Your Card Currency Wallets.

5.9 The withdrawal notice given as detailed in paragraph 5.6 or paragraph 5.8 should be filed with Customer Services in writing.

6 KEEPING YOUR CARD & PIN SAFE

6.1 Upon the receipt of Your Card or Login Details You should take the necessary precautions to prevent breaches of unique Card security devices and account in the E360 Web-Portal, in particular You should keep Your Card, the details enabling the ordering of an Operation (including the PIN number, Card number and expiry date or the CVC/CVC2 code) and the Login Details with the observance of due care. Do not disclose Your Card details, including the details enabling the ordering of an Operation and Login Details to unauthorised persons. Use the E360 Web-Portal only if You are certain that the device You are using if fully secure, free of malware, and has an updated operating system, drivers, applications and virus protection software. Neither We nor Wizz Air will ever request the PIN number or the Login Details (except when logging in the E360 Web-Portal where You should provide the Login Details). When performing an Operation, You should control the circumstances where Your Card is used and the Operations, in particular make sure that:

(i) the staff of the point of sale where the Operation is being conducted: are not attempting to trick You into sharing or copying Your Card or its unique security devices, are not using Your Card at equipment other than a payment terminal, are not keeping Your Card for a period longer than the performance of the Operation and are not attempting to cause a situation in which You lose sight of Your Card,

(ii) You can enter the PIN code in a manner making it impossible for unauthorised persons to get to know it (e.g. obscure the keyboard when entering the PIN),

(iii) the amount of the Operation on the terminal or in the ATM corresponds to the Operation confirmation slip,

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(iv) You only confirm the Operation once (several confirmations of the Operation may mean the confirmation of several Operations independent one of another),

(v) after the completion of the Operation Your Card is not damaged and there are no visible modifications to it.

Use Your Card and the E360 Web-Portal with the observance of the provisions of these Terms & Conditions, and where a situation mentioned in paragraph 6.2 below occurs – notify us of it. 6.2 If You have identified that an unauthorised person has or may have obtained access to Your Card, the details enabling the ordering of an Operation (including the PIN number, Card number and expiry date or the CVC/CVC2 code) or the Login Details, including through the loss, theft or misappropriation thereof, You should notify Us of this fact immediately and give an instruction to report Your Card and the Login Details lost or stolen. The notice referred to in the preceding sentence should be given by contacting Customer Services by telephone.

6.3 Your Card may be disabled after entering an incorrect PIN number three times. The Login Details may be disabled after three failed attempts to log in the E360 Web-Portal. In such case, please contact Customer Services.

6.4 Where the notification referred to in paragraph 6.2 is made, You should cooperate with Us and with the police and the investigation authorities in order to establish the circumstances which have occurred.

6.5 You can change the PIN number at the nearest ATM that offers such functionality. A Fee may be charged for a PIN change operation as detailed in the Fee Schedule.

7 YOUR USE OF THE CARD

7.1 Your Card can be used throughout the world at Merchants or cash withdrawal services providers, including in ATMs where MasterCard branded products are accepted providing that there are sufficient Available Funds to cover the amount of the Operation and the applicable Transaction Fees. If You use Your Card for an Operation in one of the Usable Card Currencies but have not loaded that Card Currency Wallet with any funds then the process in paragraph 13.12 will apply.

7.2 The Merchants where Your Card can be used include restaurants, hotels, airports, online shopping websites or travel agents. Your Card cannot be used at automated fuel dispensers. 7.3 You should also be aware that there may be places in the world where despite the MasterCard

brand being displayed Your Card may not work because of some country or geographic restrictions.

7.4 You authorise (express Your consent to) an Operation in one of the following ways depending on the indication by the Merchant, cash withdrawal services provider, including the ATM operator or acquirer through:

(i) using Your Card and entering the PIN,

(ii) holding Your Card near a proximity card reader subject to the limits on proximity Operations, and where the limit for proximity Operations is exceeded, through holding Your Card near the reader and entering the PIN,

(iii) using Your Card and placing Your signature on the document which confirms the Operation, as per the signature specimen on the reverse of Your Card,

(iv) providing Your Card details, in particular for Operations performed without physical use of Your Card.

7.5 You authorise (express Your consent to) a Transaction in the E360 Web-Portal through logging in the Portal using the Login Details and approving the Transaction.

7.6 Subject to the provisions on currency conversions in accordance with these Terms & Conditions, Card Operations are performed in the currency agreed between You and the Merchant or the cash withdrawal services provider, including the ATM operator. If a Merchant or an ATM offers

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You the opportunity to make an Operation in a Foreign Currency which is the local currency of the country in which the Merchant or ATM is located then We would suggest that You use the Foreign Currency of that country. If You don’t and the process of conversion of the Foreign Currency into the Default Currency is done by another operator, e.g. the Merchant’s operator or a cash withdrawal services provider, including the operator of the ATM, We cannot guarantee that the foreign exchange rates that You will receive will be as competitive as the rates offered on Your Card. If the Merchant or the ATM is located in a territory of a Usable Card Currency, We would suggest that You use the local currency (i.e. the Usable Card Currency) and do not choose currency conversion by the Merchant or the cash withdrawal services provider, including the operator of the ATM to the Default Currency as We have no influence on the foreign exchange rate to be used by the operator!

7.7 As Your Card is a prepaid card and not a debit or credit card, any Operation with the use of Your Card requires electronic authentication. It means that upon authentication by Us to a Merchant or cash withdrawal services provider, including the operator of the ATM, the amount of the Available Funds will be immediately reduced by the value of the corresponding Operation and any applicable Transaction Fees. If the amount of the Available Funds is lower than the amount of the Transaction together with the Transaction Fees then We will decline the Transaction. If the Card Currency Wallet of choice that is being used for the proposed Operation has insufficient funds then the priority process as detailed in paragraph par. 13.12 will apply. 7.8 Some Merchants may levy additional commissions or service charges. This is common in

restaurants, bars and hotels. Mail order sites and shopping online may involve additional fees being charged to You. Please check the final amount of the Operation and the Available Funds before You authorise the Operation! These additional charged referred to in this paragraph 7.8 are levied by the Merchant and not by Us!

7.9 We do not recommend using Your Card for “pre-book” services like hotels and car hire companies. These types of services may “pre-authorise” an estimated amount of the final bill. If this happens the “pre-authorised” amount will be unavailable for a period of time and the Available Funds will be reduced accordingly.

7.10 You should ensure that there are always Available Funds on Your Card in an amount sufficient to cover the Transaction amounts and the Fees. You are required not to order Transactions in excess of the amount of the Available Funds and not to cause an overdraft (i.e. a negative balance of the Available Funds). If You want to use Your Card for a purchase the value of which exceeds the Available Funds then You must inform the Merchant to charge only up to the maximum amount of the Available Funds. The remaining balance must be paid by You using some other means e.g. cash, credit card or debit card.

7.11 You will not receive any paper statements but information about Your Card Currency Wallets, Transaction details and history is available by contacting Customer Services or via the E360 Web-Portal. During the term of the Card agreement You may obtain these Terms & Conditions on paper or on a permanent carrier contacting the Customer Services.

7.12 If You do not use Your Card for twelve (12) months from the date of Your last Operation then in the thirteenth (13th) month We will start to charge You the Monthly Inactivity Fee. Please see the Fee Schedule for details of this charge. The Monthly Inactivity Fee will be charged for each month from the thirteenth (13th) month until Your Card is used again for another Operation, expires, or the Available Funds reach a zero balance.

7.13 The moment of receipt of a payment order for an Operation with Your Card is the moment upon which the Operation is submitted to Us for settlement. The moment of receipt of a payment order for other Transactions is the moment upon which We have received Your payment order. Orders received on a day which is not a Business Day are deemed to be received on the first Business Day following that day. We will make available to You the Transactions received to

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Your Card Currency Wallet immediately after the Regulated Account is credited with this amount. We perform Operations with Your Card through crediting the account of the provider of payment services of the recipient (in particular the account of the provider of payment services of a Merchant or a cash withdrawal services provider, including an ATM operator) no later than within 30 of Business Days from the moment of receipt of the payment order. Other Transactions ordered by You will be performed by Us no later than on the following Business Day.

7.14 After giving an order for an Operation or granting Your consent to the Operation to the Merchant or cash withdrawal provider, including the operator of an ATM, You may not cancel the Operation order or cancel Your consent to the conduct of the Operation. You may not cancel the payment order for a Transaction You have ordered via the E360 Web-Portal or withdraw Your consent to the conduct of such Transaction from the moment We receive such order. 7.15 We can also refuse to perform an order for a Transaction where You have not fulfilled a

provision of these Terms & Conditions, and also in situations specified by law, including in the cases provided for in these Terms & Conditions.

7.16 We will notify You of our refusal to perform an order for a Transaction by telephone, by a system message of the terminal or the ATM in which the Card has been used, by email or via the E360 Web-Portal unless the notification is non-permissible under the law.

8 LOADING YOUR CARD & AVAILABLE CARD FUNDS

8.1 You may load Your Card for the first time as part of the application process using either a Visa or MasterCard credit or debit card issued under Your name and registered to the same address as You provided to Us during the application process or a bank account held under Your name at a bank within the European Union.

8.2 Any loads that You want to make to Your Card after it has been activated and loaded for the first time (i.e. reloads) can be done in the same manner as the initial load. We will make additional methods of reloading Your Card available as detailed in this paragraph 8.

8.3 You can reload Your Card by transfer to Your Card (i.e. to the Regulated Account) from any bank account, including those of Your friends and family in any currency. Any reloads of Your Card using this method will be available to You for Transactions immediately after they are posted in the Regulated Account . If You make a transfer to Your Card in a currency other than the currency of the Regulated Account to which it has been made, then the conversion of Your transferred amount it will not be Us but by the bank which keeps the Regulated Account at the rate of such bank as of the date on which the amount of transfer in posted on the Regulated Account . Since in such case the foreign exchange rate will not be set by Us and We have no responsibility or control over the rates used in these circumstances! In such case You will be responsible for crediting the Regulated Account with a sufficient amount despite the currency conversion referred to in the preceding sentence. Please also note that Legal Requirements may prevent Us from accepting reloads in certain foreign currencies, from certain locations or made by certain senders. In such a case We may reject the reload and return the transfer for reloading Your Card.

8.4 Subsequent reloads of Your Card can also be made using a Visa or MasterCard credit card or a debit card via the E360 Web-Portal. Where the currency of the a Visa or MasterCard card is a Foreign Currency, the conversion will be done at the Visa or MasterCard exchange rate of the date of settlement of the reloading transaction by Visa or MasterCard, and We will receive the amount in the Default Currency.

8.5 Another way of reloading Your Card would be via a Euronet ATM in Poland available with such a functionality. Details of where all Euronet ATMs in Poland are located can be found at: www.euronet.pl.

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8.6 For the methods of loading referred to at paragraphs 8.4 and 8.5 You can only load the Card in the Default Currency. You cannot reload the Card in any of the other Usable Card Currencies unless the reload takes the form indicated in paragraph 8.7.

8.7 If Your Card is a Full Due Diligence Card, You can also request, via the E360 Web-Portal, to send and/or receive loads from other Cards issued to other Eligible Persons as follows where:

(i) both of the Cards concerned are issued to Eligible Persons in the same territory (e.g. Poland with the Default Currency of PLN) then a Card-to-Card transfer can take place in any of the Card Currency Wallets; or

(ii) the two Cards in question relate to different territories under the Wizz Air Prepaid Card Programme (e.g. Poland and the UK) then You can request:

a. a EUR transfer from Your EUR Card Currency Wallet to the EUR Card Currency Wallet of the intended recipient; or

b. a GBP transfer from Your GBP Card Currency Wallet to the GBP Card Currency Wallet of the intended recipient; or

c. a PLN transfer from Your PLN Card Currency Wallet to the PLN Card Currency Wallet of the intended recipient.

We reserve the right to refuse such Card-to-Card transfers in the event that the transfer amount plus any related Fees exceed the Available Funds in the Currency concerned.

8.8 Your Card will also be loaded by Us through cash rebates as part of the loyalty programme run between Us and Wizz Air. If You use Your Card in one of the following ways then a cash rebate will reload Your Card:

(i) if the initial load that You make to Your Card at the application stage (please see paragraph 4.8 above) is €100 or above (or 420 PLN for the Default Currency of PLN or 70 GBP for the Default Currency of GBP), then the Card Sale Fee will be charged and then returned to Your Card;

(ii) if You reload Your Card each month with €100 or above (or 420 PLN for the Default Currency of PLN or 70 GBP for the Default Currency of GBP), then the Monthly Fee charged against Your Card will be returned to Your Card;

(iii) if Operations are performed in one or more of the Usable Card Currencies (i.e. other than the Default Currency) then You will receive 1% of the value of the Operation credited back to Your Card. Any loyalty based credits to Your Card under this paragraph 8.8 (iii) will be made by the fifth (5th) calendar day of the month following in which the Operations took place on which the credit is due.

8.9 In addition to the above loyalty rebates loaded to Your Card, You will also earn reward points on the Wizz Air Loyalty Programme as detailed on the Wizz Air Website. If You have any questions about the points gained using Your Card under the Wizz Air Loyalty Programme please contact Wizz Air.

9 TRANSFER OF FUNDS BETWEEN YOUR CARD CURRENCY WALLETS

9.1 You can transfer e-money between Your Card Currency Wallets via the E360 Web-Portal. This functionality is available 24 hours a day, 7 days a week.

9.2 Any transfers between Your Card Currency Wallets that You request via the E360 Web-Portal will be conducted at the foreign exchange rates as detailed in paragraph 13 below. Please note that an inter-Card Currency Wallet transfer may involve a fee charged against You so please see the Fees Schedule.

9.3 Where the transfer between Your Card Currency Wallets with the applicable Fee exceeds the Available Funds in the Currency concerned We are entitled to refuse to make the transfer. 9.4 Ordering a transfer between the Card Currency Wallets You should provide: amount and

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10 CARD EXPIRY DATE

10.1 The Card has an expiry date that is set out on the front of Your Card. Your Card will only be available for use for thirty-six (36) months from the date it was issued to You.

10.2 The Card expiry date on the front of Your Card may be used when authorising certain Transactions.

10.3 You will not be able to use Your Card once it has expired.

10.4 The Card agreement will not be automatically extended if You have not activated Your Card before its expiry date (and You are subject to the Monthly Inactivity Fee). We will not automatically reissue Your Card unless You have contacted Us at least three (3) months before the Card expiry date in which case We will arrange for the issuance of a new Card.

10.5 If Your Card is “active” the Card agreement will be automatically extended until the expiry date of Your new Card referred to in paragraph 10.1 if neither We give notice of discontinuance of the Card agreement at least two (2) months prior to the expiry date or You give a notice of discontinuance of the Card agreement at least one (1) month before Your Card expiry date. In such a case, You will be automatically issued with a Card with a new expiry date referred to in paragraph 10.1. The notice of discontinuance of the Card agreement should be given [FORM, e.g. written format, to Customer Services]. Where a notice of discontinuance of the Card agreement is given as detailed in this paragraph 10.5, You will not be charged with the Premature Closing Fee.

10.6 In accordance with the applicable Legal Requirements, where Your Card is not available for use anymore for Operations, the Card agreement will terminate. Where, upon the Expiry Date there are Available Funds on Your Card, You can choose to redeem them as detailed in paragraph 11 below, but to do this You need to contact Us!

11 REDEMPTION

11.1 A request for redemption is processed in the Default Currency. If You want to redeem the e-money before the Card Expiry Date (i.e. by terminating Your Card agreement and having the balance of the Available Funds less any Premature Closing Fees (please see the Fee Schedule) transferred back to You), either in whole or in part, You can do it by contacting Customer Services in writing or initiating the process via the E360 Web-Portal.

11.2 If You make a redemption request, We will perform the redemption by transferring You the Available Funds less the Fees due to Us by transfer from the Regulated Account to Your bank account, if You provide Us with all the required details. We are not able to make transfers of redeemed funds to bank accounts of third parties. Accepting the request for redemption, We can require You to provide additional information for processing the redemption due to the need to establish the entitlement to the request for redemption or due to Legal Requirements. The redemption will be done after such information is provided.

11.3 Subject to paragraph 11.4, We will make the redemption transfer within thirty (30) calendar days after receiving Your written request for redemption in line with the information We have received providing that any pending Transactions have cleared.

11.4 The transfer of the redeemed funds will not be done for a period where there is a reasonable suspicion that the request may be connected with a fraudulent activity or if the withholding of the processing of the request for redemption is required under the Legal Requirements. 11.5 Any request for redemption of e-money prior to the Card expiry date will be subject to the

Premature Closing Fee as detailed in the Fees Schedule.

11.6 Upon the making of a request for redemption of funds from the Card Currency Wallet other than the Card Default Currency Wallet, the Available Funds in this other Currency Wallet will be converted to the Default Currency as detailed in paragraph 13 below.

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11.7 You have the right to redeem the Available Funds during the term of the Card agreement within six (6) years from its expiry. During the term of the Card agreement, You can redeem all or some of the Available Funds. After the Card agreement expires, You can request redemption of the Available Funds in full.

11.8 If any pending Transactions remain on Your Card after We have made the redemption transfer to You then We reserve the right to recover the sums of such Transactions from You within fourteen (14) calendar days of You receiving a written notification from Us. If You fail to pay such sums when due then We reserve all of our rights to take any necessary action in order to recover such sums.

11.9 You may cancel or withdraw Your request to redeem the e-money provided that You make Customer Services aware of Your intention before We have initiated the redemption transfer as detailed in this paragraph 11.

12 FEES

12.1 All Card Fees and charges are detailed in the Fees Schedule at the end of these Terms & Conditions. By applying for Your Card, You undertake to pay all applicable Fees that You may incur whilst using Your Card, including the Transaction Fees and Account Fees. The Fees will be deducted by Us from the Available Funds. If the effectiveness of deduction in accordance with the Legal Requirements requires a statement to be made, the reduction in the amount of the Available Funds forms the making of such statement on deduction by Us. If there are insufficient Available Funds in a Card Currency Wallet to cover the applicable Fees then the priority procedure in paragraph 13 will apply.

12.2 Transaction Fees will be deducted on the occasion of each Transaction. In that connection, upon the authorisation of a Transaction We will additionally reduce the amount of the Available Funds by the amount of the Transaction Fees due to Us.

12.3 All Account Fees (please see the Fee Schedule) will be charged to the Card in the Default Currency, unless there are insufficient funds in the Default Currency Card Currency Wallet. In such a case the applicable Fee will be charged to the next Card Currency Wallet with sufficient funds according to the priority process in paragraph 13.12.

12.4 The Fees that We charge are subject to change from time to time. When We intend to make any changes to the Fees relating to the Card We will inform You in advance as detailed in paragraph 15. The Information on Fees is binding during the time it is made available as detailed in paragraph 21.1.

12.5 The Fees that We charge from time to time are due only for the term of the Card agreement. The Fees paid in advance will be returned on a pro-rata basis.

13 FOREIGN EXCHANGE RATES & PRIORITY BETWEEN CARD CURRENCY WALLETS

13.1 As there are five (5) Card Currency Wallets attached to Your Card there will be several scenarios where a foreign exchange rate must be applied to Your activity. This paragraph 13 explains when Our Exchange Rate or the Foreign Currency Exchange Rate will be used. Foreign exchange rates can fluctuate and vary from time to time (often minute-to-minute) and will not necessarily be the same when You perform two or more identical Transactions. Foreign exchange rates can also vary between the time an Operation is conducted at a Merchant and the time it is charged to Your Account as rates change throughout the day! Please see the Fee Schedule for details of the relevant margins on Our Exchange Rate and the Foreign Currency Exchange Rate. Unless these Terms & Conditions stipulate otherwise, the foreign exchange rate as of the moment We receive the Operation for clearance applies to each Operation to be converted by Us and in other cases of conversion performed by Us – the foreign exchange rate as of the moment We receive the order.

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13.2 Your Card loads (initial and each subsequent one) should be done in the Default Currency (subject to paragraph 8.7 above. If You try and load Your Card in one of the Usable Card Currencies or a Foreign Currency then We have no control over the exchange rates used by third parties and it will be converted to an amount in the Default Currency before it is sent to Us and Your Available Funds may be lower than You expected! You will be able to check the amount loaded to Your Card by looking at the Transaction history available in the E360 Web-Portal. 13.3 When making Operations with Your Card please be aware of paragraph 7.6 above.

13.4 If an Operation is made in a Foreign Currency then We will use the Foreign Currency Exchange Rate. Operations conducted in a Foreign Currency will be applied to Your Default Card Currency Wallet unless there are insufficient Available Funds in this Card Currency Wallet in which case the process in paragraph 13.12 will apply.

13.5 Where You conduct an Operation in a Card Currency Wallet and that Card Currency Wallet has sufficient funds to cover the Transaction and any applicable Transaction Fees then no foreign exchange rate will be applied. If there are insufficient Available Funds on the Card Currency Wallet of the Operation then the process in paragraph 13.12 will apply.

13.6 Where You order a transfer of e-money between Your Card Currency Wallets via the E360 Web-Portal both between a Card Default Currency Wallet and another Usable Card Currency Wallet (in any direction) or between Usable Card Currency Wallets during Business Hours then a beneficial version of Our Exchange Rate will be applied to each such transfer calculated on terms which are more beneficial than in case where You initiate a transfer under this paragraph 13.6 outside of Business Hours.

13.7 When We settle Transactions with MasterCard or where paragraph 8.7 applies, We may convert Available Funds from one Card Currency Wallet to another (in line with the priority in paragraph 13.12) using Our Exchange Rate. In such a case, Our Exchange Rate will differ from the rate we apply during Business Hours as detailed in paragraph 13.6 above.

13.8 If You have requested redemption of e-money as detailed in paragraph 11 above and You have Available Funds on one or more of Your Card Currency Wallets (other than the Default Currency) then such amounts will need to be converted back to the Default Currency before the redemption. Requesting the redemption of the Available Funds, You will authorise Us to transfer all funds from Your Card Currency Wallets other than the Default Card Currency Wallet to Your Default Card Currency Wallet. When performing such conversion We will use Our Exchange Rate as detailed in paragraph 13.7.

13.9 The Account Fees will be charged to Your Account in the Default Currency (please see the Fee Schedule for the types of Account Fees and their amounts in the Default Currency). If there are sufficient Available Funds allocated to Your Default Currency then no foreign exchange rate will be applicable. If there are insufficient Available Funds then the process in paragraph 13.12 will apply.

13.10The Transaction Fees will be charged to Your Card Currency Wallet from which the Transaction was done, if there are Available Funds in a sufficient amount on such Currency Wallet. If there are no sufficient Available Funds on the Currency Wallet from which the Transaction is made, then the priority process in paragraph 13.12 will apply. If You have made an Operation in the currency of a Card Currency Wallet on which You have not provided Available Funds in an amount sufficient to perform the Operation, You can use Our Exchange Rate which is more beneficial, if You make a transfer between Card Currency Wallets as detailed in paragraph 13.6 during Business Hours and immediately after the Transaction was conducted so the transfer occurs before it is settled with MasterCard.

13.11If there are insufficient Available Funds to cover the Fees:

(i) on all Card Currency Wallets in aggregate, then the Fees will be charged to Your Card until the balance of Available Funds is zero at which point You will not be able to use

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Your Card until the balance is returned to positive status. The foregoing does not affect our right to request from You any outstanding Fees; or

(ii) in the particular Card Currency Wallet of the Transaction then the Available Funds in the amount required to cover the Fees on the other Card Currency Wallets will be automatically converted by Us using Our Exchange Rate in the priority order as detailed in paragraph 13.12 until there are sufficient funds to clear the Fees or paragraph 13.11 (i) applies.

13.12Where it is necessary to convert the Available Funds on Card Currency Wallets, including to cover Operations or Fees as detailed in paragraphs 13.5 and 13.7, the conversion priority will be as follows depending on the Default Currency of Your Card:

(i) Default Currency is PLN the order of priority is: PLN>EUR>GBP>SEK>NOK (ii) Default Currency is GBP the order of priority is: GBP>PLN>EUR>SEK>NOK (iii) Default Currency is EUR the order of priority is: EUR>PLN>GBP>SEK>NOK

We will use Our Exchange Rate outside of Business Hours for any conversions under this paragraph 13.12.

If, for example, You have a Card with the Default Currency of PLN and You conduct an Operation in NOK but there are no Available Funds attached to Your NOK Usable Card Currency Wallet but there are funds in Your GBP Wallet, Our system will first look in the PLN Usable Card Currency Wallet and convert as much as there is in order to cover the NOK Transaction. If the NOK Operation is fully covered then the conversion is complete, and if not the system will then move to the EUR Usable Card Currency Wallet and so on until sufficient funds have been converted to cover the original NOK Operation. The conversion process in this paragraph 13.12 will take place at the time the Transaction is settled and not at the time it is authorised so You still have time to initiate a transfer as detailed in paragraph 13.10.

13.13All rates provided for hereunder, including Our Exchange Rates and MasterCard rates, are subject to changes without limitation as to the frequency and scope of such changes. Change to the rates, including Our Exchange Rates and MasterCard rates, does not require prior notification of the Cardholder. Changes to Our Exchange Rates come into effect upon their announcement unless a later date is indicated upon their announcement.

14 SUSPENSION AND TERMINATION OF USE

14.1 E360 is entitled to block or stop Your Card or Login Details:

(i) for reasons relating to the security of Your Card or Login Details, or

(ii) in relation to a suspicion of unauthorised use of Your Card or Login Details or intentionally causing an unauthorised Transaction;

including for reasons mentioned in other provisions of these Terms & Conditions. We will inform You about the blocking or stopping Your Card immediately before the blocking or stopping respectively, and if it is impossible – immediately after doing so, by telephone or by email, unless the law prevents notification or the notification were unreasonable for security reasons. 14.2 You can make a request to unblock Your Card or Login Details contacting Customer Services. 14.3 You can terminate the Card agreement at any time at one month’s notice, sending a termination

notice to Customer Services. Where the Card agreement is terminated, You should send the Card back to Us cut in half.

14.4 You will not be charged a Fee for terminating the Card agreement but You may be charged the Premature Closing Fee if the Card agreement ends as a result of You terminating it. After the Card agreement ends You can request redemption of the Available Funds – as detailed in paragraph 11 and in the Fee Schedule.

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14.5 We are entitled to terminate the agreement at a two months’ notice for the following material reasons:

(i) You breach Terms & Conditions,

(ii) You are in delay of no less than thirty (30) days with the payment of the amounts due under the Card agreement, including the Fees and we call upon You ineffectively to pay these amounts within fourteen (14) days from the receipt of the call for payment; (iii) You undertake actions or activities contrary to the commonly applicable law which have

an effect on the manner of performance of the Card agreement,

(iv) making Your Card application or subsequently, You provided Us with data or information which was inaccurate or contrary to the facts, the contents or nature of which could cause rejection of the Card application, or You used forged, modified, counterfeited or false documents,

(v) for three (3) successive months You fail to provide Available Funds in an amount sufficient to cover outstanding and current fees for the period for which they were due as per the Fee Schedule,

(vi) for three (3) successive months You perform at least two Transactions causing an excess of the Available Funds,

(vii) for twelve (12) successive months You fail to provide Available Funds or cause a debit balance,

(viii) We obtain information from public authorities about the commitment or suspicion of commitment by You of an offence against property, commercial transactions, reliability of documents or protection of information, including an offence with the use of the Card or an offence to Our detriment or to the detriment of a Merchant, cash withdrawal provider, including an operator of an ATM,

(ix) the costs of performance of Our obligations under the Card agreement, including the costs of settling Transactions, increase by at least 10 % as a result of an increase in the prices of power, telecommunication connections, costs of settlements between providers of payment services, operation of the information system We use to perform the Card agreement or an amendment to the law if the increase in the costs occurred no earlier than 3 months before termination,

(x) use of Your Card for activities contrary to the law, in this case Your breach of the regulations on counteracting money laundering and the financing of terrorism or preventing Us from performing the obligations thereunder,

(xi) use of Your Card to make settlements relating to business operations, 14.6 The agreement ends automatically upon Us becoming aware of Your death.

14.7 After the expiry of the period of notice, Your Card will not be suitable for use. We will attempt to contact You using the most recent details We have in our files on You.

15 CHANGES TO THE TERMS & CONDITIONS

15.1 We reserve the right to change these Terms & Conditions, including the Fee Schedule, if at least one of the followingimportant reasons occurs:

(i) change to the legal status resulting in the need to make changes to these Terms& Conditions;

(ii) the giving of a judgment by a state court or the issuing of a decision, suggestion, recommendation or another act binding upon Us by a public administrative body, resulting in the need to make changes to these Terms & Conditions;

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a. Us introducing new products and services, with the change to these Terms & Conditions may only concern the introduction of provisions or change to the provisions relating to such products or services, their use will not be obligatory for You, and no use thereof will not involve any costs, unless You express a separate consent to their use and the applicable costs,

b. Us improving existing functionalities or services provided in order to improve the level of security, protection of personal data or improving the usability of the available functionalities and services provided by Us, and the change to these Terms & Conditions may only concern the introduction of provisions or change to provisions relating to such functionalities or services,

c. the quitting of certain functionalities or services, or change to existing functionalities or services provided by Us, due to further impossibility of providing the service or making the functionality available in its existing form caused by the ending of an agreement between Us and the provider whose services We used providing the service concerned or making the functionality available or due to an increase in the costs of providing the service by at least 10 %, caused by an increase in the prices of power, telecommunication connections, costs of settlements between the providers of payment services, operation of the information system We use to provide the service concerned or make the functionality available, or amendment to the law regulating the services provided or functionalities made available by Us, if such increase occurred no earlier than three (3) months before the announcement of the change to these Terms & Conditions, and the change to the Terms & Conditions may be made only to the extent necessary for removing or changing these functionalities or services.

15.2 We will inform You about the change to these Terms & Conditions and the effective date of the changed Terms & Conditions by email and We will publish the changed Terms & Conditions on the E360 Web-Portal. The effective date of the changed Terms & Conditions may not be sooner than two (2) months from informing You about the change.

15.3 Until the day preceding the effective date of the changes to the Terms & Conditions set by Us, You can submit Your objections thereto or terminate the Card agreement effective immediately. Submit Your objection or termination in written format with the Customer Services. The absence of Your objection, expressed in the manner and within the deadline specified in this paragraph 15, equals the expression of Your consent to the changes and their coming into effect within the time set by Us. If You have not terminated the Card agreement and You submit an objection to the changes to these Terms & Conditions in the manner and following the procedure set in this provision, the Card agreement expires as of the day preceding the effective date of the changes. No fees will be charged upon You to Us for in relation to the expiry of the Card agreement as a result of submitting an objection or ending this agreement through its termination, referred to in this provision. In such a case, You can also redeem the Available Funds at no Fee.

16 DISPUTABLE TRANSACTIONS

16.1 You are responsible in full for unauthorised Transactions: (i) which You have caused intentionally,

(ii) which were performed before the notification referred to in paragraph 6.2 of these Terms & Conditions, which You caused as a result of breaching the obligations set out in paragraph 6.1 of these Terms & Conditions wilfully or through gross negligence.

16.2 You are responsible for unauthorised Transactions other than specified in paragraph 16.1. performed before the notification referred to in 6.2 of these Terms & Conditions, up to the total sum being the equivalent of 50 GBP:

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(i) resulting from the use of lost or stolen: Card, details enabling the ordering of an Operation (including the PIN number, Card number and expiry date or the CVC/CVC2 code) or the Login Details,

(ii) resulting from the misappropriation or unauthorised use other than specified in paragraph 16.2 of (i) the Card, Card Details or Login Details which was caused through Your failure to undertake, with due care, the required measures to prevent the breach of unique securities of the Card or Login Details, in particular the keeping of the Card, details enabling the ordering of an Operation (including the PIN number, Card number and expiry date or the CVC/CVC2 code) and the Login Details with the observance of due care and not making these available to unauthorised persons.

16.3 You are not responsible for unauthorised Transactions not listed in paragraphs 16.1-16.2. If We have not provided measures enabling the making of the notification referred to in paragraph 6.2 of these Terms & Conditions, You are responsible only for unauthorised Transactions referred to in paragraph 16.1 (i) hereof.

17 LIABILITY

17.1 Subject to further provisions of this paragraph 17, We accept no liability for failure to perform or any delay in the performance of Our obligations under these Terms & Conditions as a result of any Legal Requirements. In such a case, We will not be liable for any indirect or consequential losses You suffer.

17.2 We accept no responsibility or liability for the goods or services that You purchase with Your Card.

17.3 We accept no responsibility or liability for a Merchant refusing to honour an Operation or failing to cancel an authorisation of an Operation on Your request.

17.4 No provision of these Terms & Conditions will exclude or limit Our liability to You for death or personal injury arising from Our negligence or wilful misconduct.

17.5 Subject to the provisions of these Terms & Conditions stipulating otherwise, You will be liable for any losses or frauds resulting directly from Your failure to inform Us about changes to Your contact details.

17.6 We do not provide any guarantee or additional protection concerning purchases done online, through mail orders or by telephone.

17.7 If You use Your Card contrary to these Terms & Conditions or We find that You are using the Card fraudulently, We may charge You for any reasonable costs that We incur in taking action to stop You using this Card and to recover any money owed as a result of Your activities. 17.8 Subject to paragraphs 17.13, 17.15 and 19.4 hereof, We are liable for due performance of a

Transaction through crediting the account of the payment service provider of the recipient and for due performance of a Transaction received for You.

17.9 In the event of non-performance or undue performance of a Transaction through crediting the account of the payment service provider of the recipient for which We are liable, We restore the Card Currency Wallet to the condition which would have existed if not for the non-performance or undue non-performance of the Transaction through refund of the amount of the Transaction, to the part thereof in which the Transaction was not performed and which was charged on You, with a parallel adjustment of the Fees.

17.10In the event of non-performance or undue performance of the Transaction received for You, for which We are liable, We immediately credit the Card Currency Wallet with the applicable amount in order to bring the Account to the condition which would have existed if not for the non-performance or undue performance of the Transaction.

17.11In the event of untimely performance of a Transaction, Our liability covers only the damage which is a normal consequence of the untimely performance.

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17.12In the event of occurrence of an unauthorised Transaction, for which You are not liable, We restore the Card Currency Wallet to the condition which would have existed if not for the unauthorised Transaction by refunding You the amount of the Transaction up to the amount for which You are not liable in accordance with these Terms & Conditions, with a parallel adjustment of the Fees.

17.13Our liability is completely excluded if the non-performance or undue performance of a Transaction is due to a Force Majeure event or the application of the law.

17.14You can request Us to take action in order to track a non-performed or unduly performed Transaction initiated by You. You make the request referred to in the preceding sentence by contacting Customer Services. We will inform You about the outcome in the manner specified in the request and in the absence of such specification.

17.15Transfers between Card Currency Wallets are made, regardless of other information about the recipient provided in the order or in Our possession. We are not liable for non-performance or undue performance of a Transaction resulting from the provision of incorrect mobile number or Card ID.

17.16You can request refund of the amount of an Operation with Your Card, which has been performed and authorised if:

(i) at the moment of authorisation the precise amount of the Operation was not specified, and

(ii)the amount of the Operation is higher than the amount You could expect considering the type and amount of previous Operations, the provisions of these Terms & Conditions and circumstances relevant for the matter.

17.17Requesting the refund, You cannot rely on causes relating to foreign currency exchange. 17.18Requesting the refund, You are required to present the facts pointing to the fulfilment of the

refund requirements. You have eight (8) weeks from the day on which Your Account was charged for making the request. You can send the request for refund by contacting Customer Services.

18 PERSONAL DATA

18.1 We are the controller of Your personal data and You have the right to access and rectify these data. Please address any requests and inquiries concerning their processing to Company Secretary, Euronet 360 Finance Limited, 6th Floor Watson House, 54 Baker Street, London W1U 7BU, United Kingdom. Your personal data, including Your Personal Information, will be processed by Us in order to perform the Card agreement, assert claims, if any, perform the obligations under the Legal Requirements and for Our marketing purposes. You data will be made available to other providers of payment services involved in the performance of the Card agreement (including Operations), and the operators indicated in these Terms & Conditions. 18.2 The provision of personal data to Us is, but to the extent specified in Your Card application is

required to execute and perform the Card agreement.

18.3 If We collect Your Personal Information about You during the Card Application Checks, through the provision of services or through any on-going checks on You and Your Transactions:

(i) We will take all required precautions to secure the same;

(ii) it may be processed outside of the European Economic Area by Our service providers who are required to adequately secure this information; and

(iii) We can use it in relation to an authorised use of Your Card.

19 COMPLAINTS PROCEDURE

19.1 If You have any complaints or are generally unhappy about the Card, please contact Customer Services on the details as set out above.

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19.2 Complaints and queries concerning the use of the Card may be sent by contacting Customer Services in writing, by telephone, and by email.

19.3 Complaints should be made in the Polish or English languages and will be considered in the language in which You have made the complaint.

19.4 You are required to submit to Us immediately complaints concerning an unauthorised, non-performed or unduly non-performed Transaction. Your failure to notify the irregularities referred to in the preceding sentence within 13 months from the day on which Your Card Account is charged, or from the day on which the Transaction was to be performed results in the expiry of Your claims against E360 relating to the irregularity which has not been notified. We recommend that You check the history of Your Transactions and the balance of the Available Funds on a regular basis, at least once in two (2) weeks.

19.5 If, as a result of Your complaint the amount of the Transaction is refunded to You, and then it transpired that You were not entitled to the refund, the amount of the Transaction will be re-deducted from Your Account. In such an event, we may charge You a Fee (”Disputed Transaction Fee”) as detailed in the Fee Schedule.

19.6 Complaints are processed without undue delay no later, however, than within thirty (30) days from the day of receipt. In especially complicated cases, this time limit may be extended to sixty (60) days, of which You will be informed in advance. We will send Our reply to Your complaint to the mailing address You have provided in Your complaint or, where notification by email is chosen, to the email address You have indicated.

19.7 You are required to provide Us with explanations and help in matters relating to the complaint You have made, if the provision of the explanations or help is not against the applicable law. You are required to provide explanations within seven (7) days from the receipt of the call. 19.8 Where You are not satisfied with the solution We propose, You have the right to out-of-court

dispute resolution. To this end, You can turn to:

(i) the Court of Arbitration at the Polish Financial Supervision Authority (KNF) which hears cases where the amount in dispute is, as a rule, in excess of PLN 500 and in cases for

non-financial rights – for more information, please visit

http://www.knf.gov.pl/regulacje/Sad_Polubowny/index.jsp;

(ii)the Court of Arbitration at the Financial Ombudsman – for more information, please visit http://rf.gov.pl/.

Please also be informed about the existence of the ODR platform (European Online Dispute Resolution platform) and the possibility of using the ODR platform for resolving disputes. The platform is available at http://ec.europa.eu/consumers/odr/

19.9 Where it is impossible to consider the complaint in a manner satisfactory to You, You can submit the matter with the Financial Ombudsmen Services which is an independent body that was set up to adjudicate on eligible disputes between consumers and companies offering financial products.

19.10You can contact the Financial Ombudsmen Services:

(i) in writing at Exchange Tower, London E14 9SR, United Kingdom; (ii) by email complaint.info@financial-ombudsman.org.uk; or (iii) by telephone to one of the following numbers:

a. 0800 023 4567 (calls to this number should be free from landlines and mobile phones); b. 0300 123 9123 ((calls to this number should cost no more than calls to UK landlines

from within the UK); or

c. +44 20 7964 0500 for calls from outside of the United Kingdom.

19.11If Our activity is in breach of the law, You can submit a complaint against the operation of E360 with UK’s Financial Conduct Authority.

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